Las Vegas Home Insurance That Protects What You’ve Built

Is Your Home Truly Protected for Life in Las Vegas?

Owning a home in Las Vegas means protecting more than just walls and a roof — it’s your biggest investment and the center of daily life. Between extreme heat, occasional flash flooding, theft risks, and rising construction costs, many homeowners worry they may be underinsured without realizing it. We help you understand exactly what your policy covers and tailor protection to your home’s location, age, and value. Whether you live in Las Vegas, Henderson, or Summerlin, our local insight helps you protect your home with confidence.

What Do People Usually Get Wrong?

House with an upward-pointing arrow, likely indicating a move or property value increase.

Insuring the home for market value instead of rebuild cost

Market price and replacement cost are not the same — rebuilding is often more expensive.

Hands cupping two hearts. Concept of care, protection, and love.

Underestimating personal belongings

Most homeowners own more than they think, which can leave gaps after a loss.

Houses flooded by water with rain and clouds overhead.

Assuming flood damage is covered

Flooding is not included in standard homeowners policies and may require separate coverage.

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Ignoring liability exposure

One accident on your property can exceed basic limits — especially for families with assets.

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Not reviewing policies regularly

Home improvements, rising costs, and life changes can make old coverage inadequate.

What to Expect From Start to Finish

We make protecting your home straightforward and stress-free.


We begin with a detailed review of your home — location, year built, materials, and lender requirements — to ensure proper coverage. Then we compare policies from multiple reputable carriers to balance strong protection with competitive pricing. If you want to save more, we explore home and auto bundling options that often reduce premiums significantly. Throughout the process, you get clear explanations and support from a local Las Vegas agent.

Steps That Make This Easy:

  1. Share basic home details — address, size, age, and recent updates.
  2. We calculate accurate replacement costs — not guesswork.
  3. Compare carriers and discounts — including security systems and roof credits.
  4. Finalize coverage and provide proof — often required by lenders.
  5. Ongoing support — policy reviews as your home or needs change.

Quick Guidance for Common Situations

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If you want the best possible rate

We apply all eligible discounts and compare multiple carriers to keep premiums manageable.

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If you’re buying a home

We work directly with lender requirements to deliver proof of insurance quickly and correctly.

Black and white line drawing of a small house with a triangular roof.

If your home is older

We account for older plumbing, roofing, or electrical systems that impact coverage.

Icon of a house with a leaky sink and water damage.

If you’re worried about floods or water damage

We explain what’s covered, what isn’t, and whether optional protection makes sense for your area.

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If you want extra liability protection

We can layer an umbrella policy on top of your home coverage for added peace of mind.

Your Questions, Answered Clearly

  • How much is homeowners insurance in Las Vegas?

    Costs vary based on home size, age, location, and coverage limits. Bundling and discounts often lower premiums significantly.

  • What does home insurance cover in Nevada?

    Most policies include dwelling, personal property, liability, and additional living expenses. Flood and earthquake coverage are typically excluded.

  • Can I bundle home and auto insurance?

    Yes. Bundling home and auto insurance is one of the most effective ways to save money while simplifying coverage.

  • Do mortgage lenders require home insurance?

    Yes. Most lenders require proof of homeowners insurance before closing and throughout the loan term.

  • Can you review my current policy?

    Absolutely. We review policies to identify gaps, outdated limits, and savings opportunities.

Protect Your Home With Confidence

Your home deserves coverage that matches its true value and the realities of Nevada living. Homeowners across Las Vegas, Henderson, and Summerlin rely on us for clear guidance, smart comparisons, and protection that lasts.